Northpointe Bank in Massachusetts vs the state
4.9%Denial rate-11.27 pts vs state
6.5%Decision denial rate-13.50 pts vs state
71.1%Origination rate+8.51 pts vs state
6.63%Median rate0.00 pts vs state
0.27Rate spread (pts)+0.18 pts vs state
$145kMedian applicant income
288Loans originated
20Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 184 | 110 | 8.7% | 6.63% | #161 |
| 2024 | 184 | 117 | 7.1% | 6.50% | #159 |
| 2025 | 405 | 288 | 4.9% | 6.63% | #95 |
What Northpointe Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bristol County | 81 | 63 | 2 | 2.5% |
| Middlesex County | 79 | 44 | 9 | 11.4% |
| Worcester County | 71 | 51 | 1 | 1.4% |
| Hampden County | 50 | 45 | 0 | 0.0% |
| Plymouth County | 31 | 22 | 0 | 0.0% |
| Essex County | 23 | 14 | 3 | 13.0% |
| Norfolk County | 22 | 16 | 1 | 4.5% |
| Barnstable County | 19 | 14 | 0 | 0.0% |
| Hampshire County | 16 | 14 | 2 | 12.5% |
| Nantucket County | 5 | 1 | 2 | 40.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 405 applications in 2025, of which 288 were originated and 20 denied.
4.9% of all applications, or 6.5% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Northpointe Bank originated in Massachusetts in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Northpointe Bank's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology